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Share Savings

Our regular Share account is the basic account necessary to begin your membership. The minimum deposit of $25.00 is required to open a Share account. This is YOUR share of our Credit Union. The minimum balance of $25.00 must remain in the account at all times and you will only have access to these funds when you close your account.

This account opens infinite doors for you and your family. Once you open your Share account, you are eligible to open other accounts at the credit union and apply for a loan or credit card with the credit union.

More for Your Money
You only need to maintain a daily balance of $100.00 or more to earn competitive dividends. These dividends are paid quarterly.

Club Accounts

A member's money rolls into his/her share savings account on October 31st every year, regardless of whether that date falls on a business day or on a weekend.

Christmas Club Account

Opening a Christmas Club Account each year falls into the "must do" category. With a Christmas Club Account you can have the cash you need for the holidays without starting off the New Year in debt!! 

You are able to save all year long, without any maintenance fees, and the money will roll over into your account on October 31st. If you need to access those funds before the roll over date, you can, but you will receive a $25.00 early withdrawal fee; which has been only implemented to encourage you to save!

Vacation Club Account

Having a Vacation Club Account allows you to have the cash, when you want it, to take the vacation that you've been dreaming of. And, best of all, you're spending your own money which makes your vacation even better.

You can make one withdrawal, every 12 months, without any penalty. Like the Christmas Club Account, each withdrawal there-after will incur a $25.00 withdrawal fee and, once again, this is meant to encourage you to save this money.

Making Deposits Into Club Accounts

The minimum deposit to open either one of our club accounts is only $5.00. You may deposit funds at any time during the year, as many times as you wish. The most popular method is through payroll deduction.

Watch Your Money Grow!
  • Deposit $ 5.00 a week = $260.00 plus interest per year
  • Deposit $10.00 a week = $520.00 plus interest per year
  • Deposit $20.00 a week = $1,040.00 plus interest per year

Money Market Savings

Our Money Market Savings Account is a high yield savings account that makes it easy to access your funds. It pays higher dividends*, like a Certificate of Deposit (CD), and it offers flexibility.


  • You must open the account with a minimum of $2,500.
  • Each withdrawal must be at least $500.00, but you can deposit any funds that you did not need back into the account. For example: You only need $350 so you withdraw the $500, then you can deposit the remaining $150 back into your Money Market Account.
  • There is no monthly limit on withdrawals or deposits.
  • You can transfer funds to the Money Market Account from another Vision account and from the Money Market Account to another Vision account but the $500 minimum still applies.

Call or visit any of our branches to ask a Member Service Representative for more information.

*There is no guarantee for the exact interest rate - interest rates can vary. To earn dividends on your money, you must maintain a balance of at least $2,500.

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Our members are part owners and have a say in how the credit union is run. Stop by any of our branches today and join VFFCU and experience our philosophy of “Member Owned – Value Driven.”

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Bank Your Way

Having the flexibility to access your account whenever and wherever you need it with online and mobile banking is important. Whether you’re across town or across the country, your accounts are always at your fingertips, 24/7.

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Vision Financial Federal Credit Union
214 Pacific Avenue
PO Box 15818
Durham, North Carolina 27704
Phone: (919) 477-0696
        or (800) 235-8455
Fax: (919) 471-8211
Routing Number: 253175517

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